It’s Easy! Additional Benefits Included You can grow your business with a few simple changes. In addition to the non-medical life coverage your1 client is purchasing through Protection Plan, Instead of filing your declines or turning away business, your client may be eligible for some additional benefits. offer a solution. Remember non-medical life insurance fits Details and criteria will be provided along with their a niche market — hard to insure clients, declined cases insurance contract2. These include: or clients who simply don’t like medicals. It’s easy to 1) Competitive Scholarships process and can provide a consistent revenue stream to There are up to 350 renewable scholarships awarded to complement and complete your book of business. candidates who not only have good grades but share a Commission is extremely competitive and paid weekly via commitment to community service and volunteerism. direct deposit. In Canada your client may be eligible for scholarships of up to $8,000 to high school seniors and mature students. Our applications are simple and easy to complete. Five Ken Peterson Awards for Community Service are also » Our In-House Benefits Advisors are trained to answer granted annually, offering up to $11,000. questions and, if you choose, can complete and record 2) Terminal Illness Loans the application over the phone with you and your client Your client may be eligible to receive an interest-free loan present. Let us do the work while you take the credit. if they become terminally ill. The total loan can be up to 75% of the face value of the Unity Life or ForestersTM life » Policies are issued within a few days. insurance with a maximum loan amount of $250,0002. » Applications are verified over the phone and recorded 3) Special Financial Returns before the contract is issued. In recent years, additional benefits were provided to » Verification must be completed within 14 days after long-standing Foresters members by increasing the value receipt of the application. If an application cannot be of their certificates, or forgiving any remaining premiums. verified, we will ask for your assistance in contacting From 2007 to 2009, Foresters distributed $45 million of the client. value back to their members3. » Plus, you can track your business through Virtgate. 4) Orphans Benefits and the Critical Illness Benefit (available to most members) Orphans Benefits: Visit our website at www.cpp.ca to access our suite of Provides eligible children of a deceased member with a marketing tools designed to help you and your clients. renewable scholarship for higher learning of up to $6,000 for up to four years. There is also a monthly payment Sign up today and capture this easy business! for orphans which pays $300/month/child to the legal Please call us at 1-877-447-6060 for more guardian for children under 18 upon the death of both parents. information and begin selling. Critical Illness Benefit: Your client may be eligible for the critical illness benefit, which provides a grant of up to $4,000 to help with expenses when your client is diagnosed with certain critical illnesses. This money can be used to help ease your cllient’s family’s financial hardship or cover unexpected costs, like medical expenses.

1 “You” and “your” assumes that the insured or annuitant is the insurance contract owner. 2 Available as member benefits to Foresters members, including insureds under an eligible product purchased through Canada Protection Plan and issued by either Unity Life of Canada, a Foresters Company, or by Foresters. Member benefits are non-contractual, subject to eligibility requirements and limitations and may be changed or cancelled at any time. For details, visit www.foresters.com. An easy solution for 3 Only available in future years if declared by Foresters. Foresters™ is a trademark of The Independent Order of Foresters, a fraternal , 789 Don Mills Road, Toronto, Canada M3C 1T9. 406419 CAN (10/09) your hard-to-insure clients: Non-medical life insurance Canada Protection Plan 250 Ferrand Drive, Suite 1100, Toronto ON, M3C 3G8 1-877-447-6060 • Email: [email protected] www.cpp.ca

CPP-BR-E-NM001-Dec9 If you are like the majority of Who is Canada Protection Plan? Non-Medical Term Insurance Non-Medical Permanent Life Insurance advisors, you will not pursue Canada Protection Plan is the leading supplier of non-medical life insurance in Canada Canada Protection Plan’s Simplified Term and Simplified Canada Protection Plan’s permanent life insurance policies life insurance with a client if and takes pride in making the process fast and easy for you and your clients. Term Plus policies offer the option to automatically renew as are available as a Life Pay or 20 Pay plan, and automatically long as premiums are paid. If your client wishes to renew a includes: they have been declined in » Offers a wide range of non-medical life insurance and riders. Deferred Term policy, they must reapply to qualify. the last two years or you » Premiums are on average 30% or better than other competing products. » Terminal Illness Benefit – 25% of the death benefit upon Automatically included with Term 100 policies: diagnosis of a terminal illness for Simplified Life and »  know they will not qualify due 100% independently owned Canadian company designing insurance products to Simplified Life Plus policies (Acceptance and Deferred » Terminal Illness Benefit – 50% of the amount insured to a to poor medical conditions. meet the needs of Canadians. policies – after 2 years from maximum of $50,000 for Simplified Term and Simplified » Our products are on the shelves of Canada’s leading MGAs and National Accounts. the issue date) Term Plus Rather than walk away from » TPA Outsourcing provides exclusive policy administration services to Canada » Transportation Benefit – we will pay the cost to transport » Transportation Benefit – we will pay the cost to transport Protection Plan which allows us to service you and your clients the way you want to the insured’s body back to their principal residence if this business, there is a fast the insured’s body back to their principal residence if be serviced. Your business is processed fast and your questions answered quickly. death occurs over 200 km away not exceeding $2 per km and easy solution to help death occurs over 200 km away not exceeding $2 per km Both companies have the same owner. to a maximum of $2,000 CDN. these clients and build your to a maximum of $2,000 CDN. All our customer service representatives treat you and your clients with the utmost ACCEPTANCE LIFE* portfolio at the same time. respect and compassion. Your business and your clients will never be treated as DEFERRED TERM » Coverage begins after 2 years » Terminal Illness Benefit second class! TERM 10 TERM 20 TERM 100 » Age 40-80 » Transportation Benefit » $5,000 to $50,000 Easy Opportunity for Deferred Insurance » Coverage begins » Coverage begins » Coverage begins after 2 years after 2 years after 2 years COMPLETE PART A OF APPLICATION The list below could be declined or highly rated with a fully underwritten life insurance » Age 20-70 » Age 20-70 » Age 20-70 product. But, the client may qualify for Canada Protection Plan’s Non-medical DEFERRED LIFE » $50,000-$100,000 » $50,000-$100,000 » $25,000-$100,000 Deferred Permanent Life or Deferred Term 10, 20 or 100, even if they had been treated » Coverage begins after 2 years » Terminal Illness Benefit » Non-Renewable » Non-Renewable » Terminal Illness for the same list within the past two years: Benefit » Age 25-80 » Transportation Benefit » » Heart attack, stroke, bypass surgery or coronary artery disease » Transportation $1,000-$50,000 » Angina or severe chest pains Benefit COMPLETE PART A & B OF APPLICATION » High blood pressure not controlled by medication COMPLETE PART A OF APPLICATION SIMPLIFIED LIFE » Chronic kidney disease (Life); Kidney disease (Term) SIMPLIFIED TERM » Age 25-80 » Terminal Illness Benefit » Chronic Liver disease, hepatitis B, C or cirrhosis (Life); Liver disease, hepatitis B, C TERM 10 TERM 20 TERM 100 » $1,000-$50,000 » Transportation Benefit or cirrhosis (Term) » Age 20-70 » Age 20-70 » Age 20-70 COMPLETE PART A, B & C OF APPLICATION » Alzheimer’s disease, dementia, multiple sclerosis or suicide attempts » Renewable to » $50,000-$150,000 » $25,000-$150,000 SIMPLIFIED LIFE PLUS » Chronic respiratory condition which required the administration of oxygen age 80 » Renewable to » Level for Life » Age 25-80 » Terminal Illness Benefit » Diabetes requiring daily insulin injections age 90 » Terminal Illness Benefit » $50,001-$75,000 » Transportation Benefit » Plus more » Transportation COMPLETE PART A, B, C & D OF APPLICATION Benefit * Coverage for Acceptance Life is based on the following tiers: 40-70 years of age = $50,000, COMPLETE PART A & B OF APPLICATION 71-75 years of age = $40,000, and 76-80 years of age = $30,000. (Only available as Life Pay) SIMPLIFIED TERM PLUS Combined Coverage TERM 10 TERM 20 TERM 100 You may combine coverage which would give your client » Age 20-70 » Age 20-70 » Age 20-70 a higher amount of insurance. Combine a Simplified Life » $50,000-$150,000 » $50,000-$150,000 » $25,000-$150,000 and Simplified Term policy for a greater total of insurance » Renewable to » Renewable to » Level for Life protection. Deferred policies may also be combined. age 80 age 90 » Terminal Illness Example $50,000 Canada Protection Plan Life Sales Opportunity Benefit Simplified $150,000 Canada Protection Plan Term » Transportation products: + Add up the number of potential clients you can’t talk to about life Benefit Total: $200,000 coverage Example $75,000 Canada Protection Plan Life insurance due to poor medical history. COMPLETE PART A, B & C OF APPLICATION Simplified PLUS $150,000 Canada Protection Plan Term + Add the number of people with average health that don’t want to go products: through medical exams, dislike needles or just want coverage quickly. Total: $225,000 coverage + Add the number of declines you have. Options » Accidental Death Benefit » Hospital Cash Rider Total Your potential sales! It’s easy business when you offer » Child Term Rider » Joint First to Die Option Canada Protection Plan’s non-medical life insurance as a solution.